Hello again . Have you come to a decision ?   I'm still not sure about these ' Visible ' Certificates . What's the real difference , except the amounts available ?   Visible Certificates are registered and the holders of these can report any loss directly to the bank . Also , they can be cashed in advance , before the maturity is up .   Right . How about the Bearer Certificates ? Can they be cashed before the maturity date ?   Unfortunately , not . You see , because they are not registered , they can be bought and sold by anyone . They also can be cashed on maturity in any nationwide financial institution .   So , if I was strapped for cash , I could transfer it to get some money ?   Technically , yes .   OK , I think I've got it . 